# Crunch review (2026): is it worth it? > UK online accountants with accounting software included Checked Nov 12, 2026 · graded Nov 12, 2026 by ToolGPA. Crunch is a UK online accountancy for sole traders, limited companies and e-commerce sellers. Its accounting software, covering invoices, expenses, bank connections and payroll, comes with an accountant-led service that includes Self Assessment and year-end filing. Prices are generated through an instant quote form and are not published as a plan list. - **Category:** Accounting & Invoicing - **Made by:** Crunch - **Website:** https://www.crunch.co.uk - **Runs on:** Web - **Who should skip it:** Skip it if you want to see a price before talking to anyone: it's quote only. - **Facts last checked:** Nov 12, 2026 ## Pricing Crunch's current pricing could not be confirmed from its own site. ## Key features - **Accountant-led service:** Crunch pairs its software with accountants who handle year-end accounts, tax returns and Self Assessment filing. - **Invoices and expenses:** The software pages cover sending invoices, tracking expenses and a payments feature called CrunchPay. - **Bank connection and reconciliation:** Connect a business bank account and reconcile its transactions against invoices and expenses in the software. - **Making Tax Digital for Income Tax:** MTD ITSA software is advertised at no additional cost to accountancy clients, per the comparison pages. - **Director and employee payroll:** Director payroll is included for up to 2 directors; employee payroll is an add-on handled by Crunch. - **Tax optimization review:** The Premium plan description lists a tax optimization review, and the site advertises average tax savings for clients. ## Good for - UK sole traders and limited companies that want an accountant and software together - Contractors and e-commerce sellers who want help with filing - Businesses that prefer a quote based on turnover and transactions ## Worth knowing - Prices come from an instant quote based on turnover, transactions and extras, so no plan prices are listed here. - Employee payroll is listed at £20 plus VAT a month for up to 5 employees; company formation is £100. - Self Assessment filing is described as worth £240 plus VAT where it is not already part of a plan. - A software-only option exists, but its price is also given through the quote process. ## ToolGPA grades **GPA: 1.8 out of 4**, graded Nov 12, 2026. Crunch is a UK online accountancy where an accountant and the accounting software come in one package. No prices are published: you get an instant quote based on turnover and transactions, and payroll, company formation and Self Assessment can add to it. Get a few quotes before you sign. - **Value for money: C.** No plan prices are published: costs come from a quote based on turnover, transactions and extras. Unpublished means the middle grade. - **Free plan and trial: F.** No free plan or trial on record, and even the software-only option is priced through a quote. - **Features: B.** Accountant, invoices and expenses, bank reconciliation, Making Tax Digital for Income Tax, payroll and a tax review. The listing shows no gap in the job. - **Ease of use: C.** No store rating on record. You start with a quote and an accountant, not a signup. - **Platforms and integrations: C.** Web only and UK only, with no app or integrations listed. These are ToolGPA's own grades. Graded from this listing, whose facts were read from Crunch's own pages on 12 November 2026. Not based on using the product, and shorter than our full reviews. ## Where it stands among accounting and invoicing tools - Crunch's GPA of 1.8 is higher than 7 of the 65 other accounting and invoicing tools we grade, and level with 3. - It stands best on features (B, above 51 of 65) and worst on free plan and trial (F, above 0). The category's chart of price against score: https://toolgpa.com/charts/accounting ## Keep it, or make your own? **Keep it.** To replace Crunch you would be making live feeds from your bank, which take an agreement with each bank or a service that has them. That is not a weekend's work, with an AI app builder or without one. That makes this kind of software worth paying for, not this one in particular: 55 of the 65 other accounting and invoicing tools grade higher. - You could make: Invoicing and expense tracking: an app builder makes these well. - You could not: Live feeds from your bank, which take an agreement with each bank or a service that has them. - You could not: Payroll taxes worked out and filed with the government for you. - You could not: The depth: we grade its features B, which means it covers the whole job. A judgement by ToolGPA from this listing, by rules that are the same for every tool. Nothing was built to test it. **Tags:** Bookkeeping, Invoicing, Expense tracking, Payroll ## Alternatives - [QuickFile](https://toolgpa.com/tools/quickfile): UK online accounting, free for smaller ledgers. [Compare](https://toolgpa.com/compare/crunch-vs-quickfile) - [FreeAgent](https://toolgpa.com/tools/freeagent): Accounting for freelancers and small firms, built in the UK. [Compare](https://toolgpa.com/compare/crunch-vs-freeagent) - [Xero](https://toolgpa.com/tools/xero): Cloud accounting for small businesses, with unlimited users. [Compare](https://toolgpa.com/compare/crunch-vs-xero) - [QuickBooks Online](https://toolgpa.com/tools/quickbooks): Cloud accounting from Intuit, from a free plan to 25-user Advanced. [Compare](https://toolgpa.com/compare/crunch-vs-quickbooks) - [IRIS KashFlow](https://toolgpa.com/tools/kashflow): UK online accounting for sole traders and limited companies. [Compare](https://toolgpa.com/compare/crunch-vs-kashflow) ## Sources The prices, plans, platforms and features above were read from these pages on Nov 12, 2026: - https://www.crunch.co.uk/software-pricing - https://www.crunch.co.uk/what-we-do/online-accounting-software - https://www.crunch.co.uk/what-we-do/online-accounting-software/compare/xero Page: https://toolgpa.com/tools/crunch Listed by ToolGPA (toolgpa.com).